Wintrust Financial Corporation (WTFC) — Cash Flow Quality Index
Wintrust Financial Corporation (WTFC) has a Cash Flow Quality Index of 0.97x as of September 2025. Operating cash flow of $209.78 Million is below net income of $216.25 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore cash efficiency ratio of Wintrust Financial Corporation to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Wintrust Financial Corporation Cash Flow Quality Index (1997–2024)
Historical Cash Flow Quality Index for Wintrust Financial Corporation across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check WTFC cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Wintrust Financial Corporation (1997–2024)
Year-by-year earnings quality comparison for Wintrust Financial Corporation. For live market cap and the full company financial profile, see Wintrust Financial Corporation market cap and net worth.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.04x | $721.56 Million | $695.04 Million | ▲ +3.5% |
| 2023 | 1.00x | $1.84 Billion | $1.84 Billion | ▼ -62.8% |
| 2022 | 2.70x | $1.38 Billion | $509.68 Million | ▲ +11.2% |
| 2021 | 2.43x | $1.13 Billion | $466.15 Million | ▲ +237.1% |
| 2020 | -1.77x | $-518.47 Million | $292.99 Million | ▼ -336.6% |
| 2019 | 0.75x | $265.99 Million | $355.70 Million | ▼ -32.0% |
| 2018 | 1.10x | $377.18 Million | $343.17 Million | ▼ -29.5% |
| 2017 | 1.56x | $401.63 Million | $257.68 Million | ▲ +3.7% |
| 2016 | 1.50x | $310.97 Million | $206.88 Million | ▲ +504.7% |
| 2015 | 0.25x | $38.97 Million | $156.75 Million | ▼ -81.8% |
| 2014 | 1.36x | $206.37 Million | $151.40 Million | ▼ -34.9% |
| 2013 | 2.09x | $287.21 Million | $137.21 Million | ▼ -13.4% |
| 2012 | 2.42x | $268.65 Million | $111.20 Million | ▼ -23.3% |
| 2011 | 3.15x | $244.27 Million | $77.58 Million | ▲ +60.8% |
| 2010 | 1.96x | $124.01 Million | $63.33 Million | ▲ +117.0% |
| 2009 | -11.51x | $-841.03 Million | $73.07 Million | ▼ -255.9% |
| 2008 | 7.38x | $151.29 Million | $20.49 Million | ▲ +256.2% |
| 2007 | 2.07x | $115.38 Million | $55.65 Million | ▲ +233.0% |
| 2006 | 0.62x | $41.39 Million | $66.49 Million | ▼ -64.3% |
| 2005 | 1.74x | $116.91 Million | $67.02 Million | ▼ -28.1% |
| 2004 | 2.43x | $124.53 Million | $51.33 Million | ▼ -32.7% |
| 2003 | 3.61x | $137.49 Million | $38.12 Million | ▲ +69.8% |
| 2002 | 2.12x | $59.21 Million | $27.88 Million | ▲ +253.9% |
| 2001 | -1.38x | $-25.45 Million | $18.44 Million | ▼ -132.9% |
| 2000 | 4.20x | $46.84 Million | $11.15 Million | ▲ +47.0% |
| 1999 | 2.86x | $26.93 Million | $9.43 Million | ▲ +313.4% |
| 1998 | -1.34x | $-8.30 Million | $6.20 Million | ▼ -207.1% |
| 1997 | 1.25x | $6.00 Million | $4.80 Million | — |